HDFC
HDFC Bank
HDFC Personal Loan
Interest rate
10.5% – 21%p.a.
Max amount
₹40 L
Tenure
1-6 years
Rating
4.4/ 5
Verified on 24 July 2026
Highlights
- 10-second approval for pre-approved
- No collateral
- Flexible tenure
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Eligibility
- Age 21-60
- Min income ₹25,000/month
- Min 2 years work
Min income
₹25,000/month
Employment
Salaried
Processing fee
Up to 2.5% (min ₹1,999)
Prepayment
4% after 12 EMIs
Documents required
- KYC
- Salary slips
- Bank statement
Pros
- Very fast disbursal
- Wide reach
Cons
- Rate depends heavily on credit score
EMI on this loan
₹25.00 L
10.75%
20 yr
Monthly EMI
₹25,381
- Principal
- ₹25,00,000
- Total interest
- ₹35,91,374
- Total payment
- ₹60,91,374
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Disclaimer: Interest rates shown are indicative and are manually verified. Actual rates are subject to lender approval and applicant profile. Please verify the latest rates with the lender before making any financial decision.